Who should be listed as a Named Insured?
It is important to choose the correct Named Insured. The Named Insured has special rights and duties that are explained in the General Rules of the Insurance policy wording. The Named Insured is responsible for paying insurance premiums, and cheques for claims paid will be made out to the Named Insured. The named insured must be a individual(s) or organization that can legally enter into a contract and process financial transactions.
Typically, the Named Insured will be the same as the person(s) or organization hosting the event and renting the venue and equipment. Do not put the venue, venue owner, or vendors as the named insured. There is a separate field below for entering the venue information. Once you have purchased the policy, you will receive a blank certificate of insurance that you can use to add venues and vendors as additional insureds or loss payees to your policy, as needed.
If you are applying as an individual, please list your full legal name in the Name Insured box. If you are applying on behalf of another individual, put their full legal name as the Named Insured.
If you are applying as a couple to be married, or on behalf of a couple, please list the full legal names of both individuals in the Name Insured box.
Partnerships or Joint Ventures
If you are applying as a Partnership or Joint Venture, please list your full legal name and your partner’s or co-venture’s full legal name(s).
Trade Name/Unincorporated Companies
If you are applying as a company that is not incorporated, please list your full legal name and your unincorporated company name by including the acronym dba (doing business as).
e.g. “Jane Doe dba ABC Company”
If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd., LLC, Corp.)
Societies/Foundations/Registered Charities/Religious Organizations/Other Not-For-Profits
Provided the organization is a legal entity, enter the full legal name of the organization, as it would appear on a CRA tax statement.
e.g. “The Arts and Cultural Appreciation Society of Western Ontario”
Who is the Insurance Company that issues the policies?
The insurance company is Liberty Mutual Insurance Company. For over 105 years, Liberty Mutual has been delivering exceptional property and casualty insurance products to businesses and individuals. They are the third largest property and casualty insurer in North America.
Click here to visit their website: https://www.libertymutualgroup.com
Who is responsible for having liquor liability coverage for my event?
Businesses such as a restaurant, bar, club, conference centre or hotel where alcohol is sold or served must maintain primary liquor liability coverage.
Licenced caterers who serve alcohol, even when provided by the host of the event are required to maintain primary liquor liability.
Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).
Please note that primary liquor liability is not available through this program. This should be provided by your vendors or the venue.
If you are serving alcohol at your event, host liquor liability coverage can be purchased. Host liquor liability: designed to cover your liability for alcohol-related claims that result from the serving of alcoholic beverages at social events such as a wedding or business party.
When does my coverage go in to effect?
Note that this coverage is offered for a single day event only. The coverage will automatically begin 1-day prior to your event to accommodate set-up; and will expire 1-day after the event for take down.
If you choose to purchase your policy on the same day you want the policy to go into effect, the coverage begins at the time your confirmation email is received with the policy documents.
If you purchase a policy for a future date, the coverage will begin at 12:01am on the date chosen.
Please note that the policy cannot be backdated.
What is the difference between Primary liquor liability coverage and Host liquor liability coverage?
The main difference between host liquor liability insurance and primary liquor liability insurance is whether or not the individual or company buying the insurance engages in the business of serving or distributing alcoholic beverages.
Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas someone who only wanted to “cover their bases” during a party or gala could get host liquor liability insurance.
HOST LIQUOR LIABILITY INSURANCE – CONSIDER IT FOR YOUR WEDDING
What is Host Liquor Liability Coverage? And do I need it?
If you’re not primarily engaged in the serving or distribution of alcoholic beverages as a business, but you still want to “cover your bases” during an event where alcohol is being served, you should consider getting Host liquor liability coverage.
Host liquor liability coverage is designed to cover your liability for alcohol-related claims that result from the serving of alcoholic beverages at social events such as a wedding or business party.
Host liquor liability insurance does not cover you if you are in the business of serving or distributing alcoholic beverages.
What is considered hazardous activity?
Any events involving the following activities would not be insurable under this program:
- Hang Gliding, Parasailing, Parachuting, Tobogganing, Luge, Go-Carts, Motorized Racing of any kind, Monster Truck Events, Skateboarding, Snowboarding, Skiing, Trampolines, Bungee Jumping, Zip Line, Waterslides, Hot Air Balloon rides, Sky Coaster, Roller Coasters, Rodeo, Mechanical Bulls or any similar activity;
- All animals – including but not limited to petting zoos, dog shows, animal training, pony rides, hay rides or pets
- Pyrotechnics - which include, but are not limited to, explosions, flashes, smoke, flames, fireworks, and fire-crackers; explosions
- Aircraft including unmanned aerial vehicles/drones
- Watercraft – this includes events taking place on a boat; or any use of watercrafts for an event
- Haunted houses, all Amusement Park devices, rides or games
- Inflatable Attractions
- Practicing for, participation in or officiating at any athletic contest, event or exhibition. Practicing for, participating in or officiating, either on or off the playing surface of any sport or athletic contest or exhibition you sponsor or sanction, or in which your employees or guests participate.
- Any person/artist you contract with while practicing for or participating in any contest, demonstration, event, exhibition, race, class, concert or show, or while officiating either on or off the playing surface of any sport or athletic contest or exhibition you sponsor or sanction or at any event you manage/produce or promote
- Practicing for or participating in any contest, demonstration, event, exhibition, race, class, concert or show
- Ownership, use, operation or entrustment to others by or on behalf of any Insured of any motorized vehicle
- Objects of any kind thrown or tossed over or into the audience or any other members of the public during any performance or rehearsal by 1. An Insured; 2. Your agents; 3. Any contract artist hired by you, or 4. Anyone else authorized by you
- Or any similar activity